• Title/Summary/Keyword: and Perceived Risk

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Consumers attitude towards Internet banking services in an underdeveloped country: A case of Pokhara, Nepal

  • Shrestha, Deepanjal;Wenan, Tan;Rajkarnikar, Neesha;Jeong, Seung Ryul
    • Journal of Internet Computing and Services
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    • v.21 no.5
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    • pp.75-85
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    • 2020
  • The application of Internet technology has created enormous impact on banking sector with the implementation of many techno-oriented services like Internet banking, EFT, branchless banking, Automated Clearing House (ACH) transactions etc. Study of customer's attitude in terms of trust, perceived risk and ease of use of a particular technology is as an important parameter for acceptance or rejection of a technology. To explore the customers'attitude for Internet banking this research is undertaken. The research is carried out in Pokhara valley which is the second largest city and tourism capital of Nepal. The study employs descriptive research design with stratified sampling procedure for eight top commercial banks. A set of 25 customers is taken from each selected 8 banks making a sample size of 200 respondents. A fixed set of question related to demographic factors is provided personally or by visiting the location of the customers of Internet banking service and collected accordingly. Reliability test is performed using Cronbach's alpha and data is analyzed using inferential statistics to present the results of the study. This study provides knowledge on the current scenario of Internet banking and helps banks in cost saving, mass customization, product innovation, improved marketing and communication. This study is very important for financial institutions like banks, government agencies and business houses to understand the perception of customers towards Internet banking and technology as a whole. The study also supplements the gap in literature on technology and banking in Nepal and serves as an important knowledge base.

User Experience Analysis of a Shoe-mounted Gait Analysis Tracker (신발장착형 보행분석 트래커의 사용자경험 분석)

  • Kim, Siyeon;Jung, Dahee;Lee, Joo-Young;Kwon, Jihyun;Lim, Daeyoung;Jeong, Wonyoung
    • Fashion & Textile Research Journal
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    • v.23 no.3
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    • pp.390-405
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    • 2021
  • Gait analysis trackers have been developed to monitor daily gait patterns to improve users' running performance and reduce the risk of injuries. A variety of gait analysis trackers are available on the market(e.g., foot pods, insoles). Depending on the type of gait analysis tracker, users' discomfort or satisfaction as well as required properties may differ. Hence, the purpose of this study was to compare and analyze user experience of three different types of commercial shoe-mounted gait analysis trackers and their mobile applications in a laboratory environment using questionnaires based on actual experiences of each product. Ten males and ten females who regularly enjoy walking and running exercises participated in the experiment. After the participants set up the tracker and application themselves without support from researchers, ten to thirty minutes' exercise was permitted on each product. Following this, the participants answered questionnaires containing evaluation variables on the device and mobile application, as well as satisfaction, intention to use, recommendation, and purchase. In addition, they were asked questions about the attractive features and shortcomings of each device and application. The results showed that the PRO-SPECS® smart insole was preferred over the others for ease of use, perceived durability, psychological burden of the design, and usefulness of the information provided by the application. Along with the results of questionnaire, this study also discussed strategies and recommendations for future product design and development.

Analysis of Maximum Acceptable Frequencies for Upper Extremity Motions with Forces in a Seated Position (앉은 자세에서 힘 수준에 따른 상지관절 동작별 최대 수용 반복 빈도수 분석)

  • Kwon, O-Chae;You, Hee-Cheon;Jung, Ki-Hyo
    • Journal of the Ergonomics Society of Korea
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    • v.24 no.2
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    • pp.65-70
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    • 2005
  • Evaluation of repetitiveness for upper extremity intensive tasks is essential to determine the level of risk for upper extremity musculoskeletal disorders at the workplace. However, experimental data available to establish the acceptable levels of repetitiveness for various postures and forces is lacking. The present study examined the maximum acceptable frequencies(MAFs; motions/min.) of shoulder, elbow, wrist, and index finger motions at different forces(1kgf and 4kgf for shoulder, elbow, and wrist; 0.25kgf and 1 kgf for index finger) in sitting. Seventeen right-handed males in 20s without having any history musculoskeletal disorders participated in the MAF experiment. The participants determined their MAFs for the upper extremity motions by using the self-adjustment method and their work pulse(increase in heart rate; beats/min.) and rating of perceived exertion(RPE) were measured when working at MAF. The MAFs of elbow, wrist, and index finger motions for each force level were about 2, 3, and 6 times the corresponding MAF(9 at the high force and 24 at the low force) of shoulder motion and the MAFs at the low force increased about 2 times those at the high force. The work pulses of elbow, wrist, and index finger motions for each force level were 70%, 50%, and 30% of the corresponding work pulse(17 at the high force and 12 at the low force) of shoulder motion and the work pulses at the low force were about 70 % of those at the high force. Lastly, the RPEs of the upper extremity regions were about level 3(moderate) or below.

Relationships of Body Image, Body Stress and Eating Attitude, and Dietary Quality in Middle School Girls Based on Their BMI (여중생의 BMI에 따른 신체 이미지, 체형 스트레스, 섭식 태도 및 식사의 질에 관한 연구)

  • Kang, Mi-Hee;Choue, Ryo-Won
    • Journal of Nutrition and Health
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    • v.43 no.3
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    • pp.285-293
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    • 2010
  • This study investigated the body image, body stress, eating attitude, and dietary quality in middle school girls. Questionnaires were administered to one hundred fifty seven middle school girls in Seoul area. The subjects were categorized into the five groups according to their body mass index (BMI); 1) severely under-weight (BMI < 16.5 $kg/m^2$), 2) under-weight (16.5 $\leq$ BMI < 18.5 $kg/m^2$), 3) normal weight (18.5 $\leq$ BM I < 23.0 $kg/m^2$), 4) overweight (23.0 $\leq$ BMI < 25.0 $kg/m^2$), and 5) obese (BMI $\geq$ 25 $kg/m^2$). 7.0%, 14.6%, 58.9%, 10.2%, and 10.2% of the subjects were classified as severely under-weight, under-weight, normal weight, overweight and obese groups, respectively. Regardless of the BMI, the subjects had disturbed body image, body stress, and poor eating attitude. The actual BMIs of the normal weight, overweight and obese subjects were significantly different from their desired BMI and perceived BMI, representing these subjects dissatisfied their body shape. Almost all subjects tried to lose their body weight even in the severely under-weight and under-weight groups. There were significant correlations of BMI with body image disturbance (p < 0.05), body stress (p < 0.01) and eating attitude (p < 0.05). These results indicated that middle school girls who have higher BMI seemed to have more body image distortion, body stress and risk of eating disorder. However, any significant difference in dietary quality among the five groups was not observed even though their dietary patterns were not balanced. As a conclusion, it is required that middle school girls should correct their distorted body image and body stress. Also, efforts to improve eating attitude, dietary pattern and nutritional status in the middle school girls are needed.

Psycho-Social Well-being, Health Perception and Behavior among Clinical Nurses (임상간호사의 사회심리적 건강과 건강지각, 건강관련 행위)

  • Kim, Jeong-Hee;Hyun, Mi-Yeul;Kim, Young-Soon;Kim, Jung-Sil;Nam, Sang-Ok;Song, Man-Sook;Lee, Jung-Wha;Lee, Na-Ju
    • Journal of Korean Academy of Nursing Administration
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    • v.16 no.1
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    • pp.26-36
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    • 2010
  • Purpose: The purpose of this study was to investigate the relationships among psycho-social well-being, and health perception and behavior in clinical nurses. Methods: The data were collected from 362 nurses employed at five general hospitals. A self-reported questionnaire was used to assess demographics and job characteristics, health perception and behavior, depression, and psycho-social stress. The data were analysed using Cronbach's alpha, descriptive statistics, t-test, and ANOVA. Results: While nurses perceived themselves to be in good health, represented by a high mean for health perceptions, actual health behavior was poor as the mean for health behavior was low. Forty two percents of the subjects were categorized as having major depression and high-stress levels. There were statistically significant differences in psycho-social well-being according to age, marital status, years of employment, and monthly salary. Also, there were significant differences in psycho-social well-being according to health perception, regular meals and exercise, sufficient sleep, job related injury and accident, and absences for ill. Conclusion: In order to prevent depression and improve psycho-social well-being among clinical nurses, organizational support and health management needs to be focused on high-risk nurses. Furthermore, it is essential to consider the health perception and behavior of clinical nurses.

Medical Students' Perceived Changes in Life, Mental Health Problems, and Strategies for Coping with Stress during the COVID-19 Pandemic (코로나19 팬데믹 상황에서 국내 의과대학생이 경험한 일상생활 변화, 정신건강 문제 및 스트레스 대처)

  • Kim, Hae Won;Yeo, Sanghee;An, Shinki
    • Korean Medical Education Review
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    • v.24 no.3
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    • pp.231-239
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    • 2022
  • This study aimed to examine the influence of the coronavirus disease 2019 (COVID-19) pandemic on areas of Korean medical students' lives, assess concerns, and investigate the strategies they used to cope with stress due to the pandemic. An online survey with a total of 53 items on the impact of COVID-19, concerns, and coping strategies was sent to medical students, and responses were collected from April 27, 2021 to May 30, 2021. In total, 1,329 students were included in the study. Analysis was performed using the chi-square test, independent-sample t-test, and one-way analysis of variance, and the post-hoc Scheffé test or Games-Howell test was performed for multiple comparisons. The main negative impacts of the pandemic were on hobbies/leisure activities and mental health, and medical students expressed the highest levels of concern regarding restriction of movement, returning to everyday life, and risk of infection for family and friends. Female students more strongly agreed that COVID-19 had increased their depressed mood and anxiety (p<0.001 and p=0.003, respectively). Furthermore, the negative impacts of the pandemic on different areas of life significantly affected current levels of depressed mood and anxiety. To cope with pandemic-related stress, students used several strategies such as talking with family or friends (91.5%), sleeping (83.1%), exercising (72.8%), using social networking services (60.8%), drinking alcohol (37.8%), and practicing meditation/mindfulness (24.4%); the effectiveness of these strategies ranged from 3.45 to 4.19 on a 5-point Likert-type scale (1-5). The study findings suggest that COVID-19 has influenced the mental health of medical students and raised concerns in many areas of their lives. Students used various strategies to cope with the pandemic-related stress; since the effectiveness of frequently used approaches varied, it is essential to guide medical students to develop effective coping strategies.

The Development of Nutrition Education Program for Improvement of Body Perception of Middle School Girls (I);The Analysis of Problems According to the Body Perception of Middle School Girls (여중생의 체형인식 개선을 위한 영양교육 프로그램 개발(I);여중생의 체형인식에 따른 문제점 분석)

  • Soh, Hye-Kyung;Lee, Eun-Ju;Choi, Bong-Soon
    • Journal of the Korean Society of Food Culture
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    • v.23 no.3
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    • pp.403-409
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    • 2008
  • Recently, the desire for low body weight, which is an abnormal weight construct along with obesity, has become an evident and serious problem in teenagers. In Korea, the desire for low weight is not perceived as an important problem, but it is rapidly expanding relative to the physical changes and developmental issues teenagers experience. The social atmosphere presented through mass media is the key influencer for the increasing low weight occurrence in teenagers. Because thoughts about beauty have changed among people, and since there is apparent blind interest in slim body shape and appearance, already low-weight individuals are attempting to lose weight along with obese persons. Thus, we consider it necessary to guide teenagers toward having correct perceptions with regard to weight and their own body shape, and that a healthy and appropriate weight is beautiful. Therefore, for this study, we investigated body perception, abnormal weight, attitude toward weight control, and factors related to eating behavior among teenage girls, who are considered the at risk group for overt body weight control behavior. Based on this, we have attempted to set in motion a systematic and active nutrition education program that will allow us to increase body satisfaction by educating on nutritional issues related to development, and ultimately, implant healthy body shape perceptions.

The Effect of Stress and Depression on Unmet Medical Needs (스트레스와 우울증이 미충족 의료수요에 미치는 영향)

  • Park, Eun Hee;Park, Eun-Cheol;Oh, Daniel H.;Cho, Eun
    • Korean Journal of Clinical Pharmacy
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    • v.27 no.1
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    • pp.44-54
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    • 2017
  • Background: Mental health issues such as stress and depression have been regarded as major social problems in Korea. We investigated the relationship between stress and depression with unmet medical needs (UMN). Methods: Using the nationwide database of 2010 Korea National Health and Nutritional Examination Survey (K-NHANES), subjects aged 19 years or above were selected (n=6,055). In the K-NHANES questionnaire, subjects were asked about their UMN experience, severity of stress, and perceived depression lasting at least 2 weeks over the past year. The effects of stress and depression on UMN were analyzed in 4 models established by adding predisposing, enabling and need factors in a step-wise fashion. The risks for UMN were also assessed according to the causes of UMN. Results: Individuals who felt stress 'very often' (odds ratio (OR) 3.28, 95% CI=2.23-4.86) and 'often' (OR 2.53, 95% CI=1.93-3.31) and who experienced depression (OR 1.68, 95% CI=1.35-2.10) reported significantly elevated UMN rates, and these effects were substantial especially for the individuals who had UMN due to economic constraint. Females, lower education level, lower income, unemployed status, and negative perceptions about health status were found to be additional risk factors for UMN. Conclusion: Our results confirmed the risks of stress and depression on UMN. It is strongly advisable to create initiatives to improve mental health, particularly stress and depression, and to fulfill individuals' medical utilization needs.

How Are Consumers, Service and Market Factors Related to Customer Loyalty in Medical Service? -Targeting the Medical Consumer in a City- (의료소비자, 서비스 및 시장 특성요인과 고객충성도와의 관계 분석 -1개 중소도시의 의료이용 경험자를 대상으로-)

  • Lee, Sun-Hee;Kim, Hyun-Mi;Kim, Ju-Hye;Ha, Gwi-Yeom
    • Journal of Preventive Medicine and Public Health
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    • v.41 no.5
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    • pp.315-322
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    • 2008
  • Objectives : This study was performed to explore customer royalty and the related factors. Methods : 900 households(a 1% sample) were randomly selected from the total population of K city located in Kangwon province. An interview survey was performed with using a structured questionnaire for the subjects(923 persons) who had used medical service during the year before the survey, and the survey was done September, 2002. Results : When comparing the relating factors related with customer royalty according to the sociodemographic characteristics, the older group showed a significantly higher level of recognition for service quality, service reputation, internal customers' attitudes and switching cost. The lower income group showed a higher level of recognition for service quality, service image and switching cost. The lower educated group showed a higher level of recognition for service reputation, service image and internal customers' attitudes. The higher educated group showed a higher level of recognition for perceived risk, and seeking variety. In addition, the expert group or the service and manufacturing workers group showed a higher level of recognition for service involvement. On multiple regression analysis, internal customers' attitudes, service image, service reputation, service quality, switching cost, and substitutability showed significant relations with customer loyalty. Conclusions : This study showed that customer loyalty was significantly influenced by service factors like internal customers' attitudes, service image, service reputation, and service quality, and by market factors like switching cost, and substitutability. The results of this study can be used as a baseline for developing strategies to create and keep customers with high loyalty.

An Empirical Study on the User's Acceptance and Resistance in Adoption Stage of the uTradeHub (uTradeHub 수용단계별 사용자 저항 및 수용에 관한 연구)

  • Kim, Jung Sok;Song, Chae Hun;Song, Sun Yok
    • THE INTERNATIONAL COMMERCE & LAW REVIEW
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    • v.57
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    • pp.243-282
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    • 2013
  • This study aims to develop the research model about the factors that have impact on uTradeHub users' acceptance and resistance to innovation. The followings show the research hypotheses and the results of test. i) The result of H1 empirical analysis confirmed that relative advantage and task adaptedness of e-Trade have more impact on acceptance of innovation than on resistance to it. And also perceived risk and complicity of e-Trade have more impact on resistance of innovation than on acceptance to it. ii) The result of H2 analysis confirmed that the characteristics of foreign trading companies (support by CEO and IT infra maturity) has more impact on acceptance of innovation than on resistance to it. iii) The result of H3 analysis confirmed that characteristics of uTradeHub user' resistance has more impact on resistance of innovation than on acceptance to it. And also, it was confirmed that acceptance of innovation has more impact on the diffusion of e-Trade than resistance to innovation. iv) The result of H4 analysis confirmed that the difference of the degree and factors that has impact on the user's resistance and acceptance by adoption stage of e-Trade. This study has significance in that it arranges the concept and stages of e-Trade systematically and, unlike other studies, it goes beyond the acceptance and diffusion of e-Trade to the inclusion of resistance together in the model.

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